You want to get the best interest rates from your high-yield savings account, but you don’t want to compromise on features that will improve your banking experience. When you’re looking for the best savings account and highest interest rates to build up an emergency fund or just to stash your cash while saving for a new car, home, or vacation, make sure to review online banking options and other features that can help you maximize your savings contributions and that suit your lifestyle. Here are 15 things to look for to find the best savings account.

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1. Low or No Maintenance Fees

Get the most out of your savings contributions by eliminating monthly maintenance fees. The best high-interest savings accounts do not charge a maintenance fee so you can save more money.

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2. No Monthly Minimums

Some of the best savings accounts have no minimum balance requirements, such as Capital One’s 360 Savings Account and Ally Bank’s online savings account. You could have $5 or $5,000 in your account at any time without penalty, which means you save by not incurring balance-related fees.

3. Access to Out-of-Network ATMs

Many banks allow you to withdraw cash from your account from an out-of-network ATM, but you’ll pay fees that typically range from $2 to $4 per transaction. Some banks waive out-of-network ATM fees, however. Bank of America, for example, waives these fees for its Preferred Rewards members.

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4. Loyalty Rewards

Speaking of Bank of America’s Preferred Rewards program, it includes a 5 percent interest rate booster on a money market savings account, among other perks. Several of the best banks in the U.S. offer rewards and loyalty programs, whether tied to promotional offers, bundled accounts, or other options, so look for this benefit when shopping for a great savings account.

5. 24/7 Customer Service

Whether you have questions about account privileges or transfers to and from savings accounts, or you want to upgrade to a money market account, you might need the help of a personal banker. The best traditional or online savings account for you will provide 24/7 customer support.

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6. Live Chat Support

If you are online most of the day and need instant answers, you might need real-time help to manage your banking needs. Many banks offer live chat support for account holders of a high-interest savings account. This online service can save you time you might spend on hold over the phone.

7. Push Notifications or Text Alerts

If you want to maximize security, set up alerts for all transactions so you’ll be aware of all activity on your account. For example, Simple offers instant push notifications as well as online account security features like fingerprint unlocking on your iPhone or Android device. These alerts also can help you monitor your spending and saving habits.

Text banking services also can enable you to transfer money to your high-interest savings account more easily. Some accounts also allow you to set up automatic deposits to savings, link your cash back rewards to your savings, or set up savings transfers prompted by other account activity like a debit card purchase.

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8. Mobile Deposits

When you want the convenience of depositing checks instantly to your savings account, make use of mobile deposit features. For example, you can use the Ally eCheck Deposit feature to deposit checks remotely and directly into your savings account using your smartphone. This feature is becoming commonplace, so if your account doesn’t offer this, it could be a sign that your bank isn’t keeping up with industry trends.

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9. Mobile App and Mobile Banking Features

Mobile apps and mobile banking features from the best savings account providers allow you to conveniently make deposits, review account information, transfer money, find the nearest fee-free ATM and more.

Getting into the habit of saving money can be hard, but the best savings account providers make saving easier. Check out the best banks’ mobile app descriptions and reviews to see which user interface you might like best.

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10. Competitive APY Rates

Get the most out of your savings habit by earning the highest interest possible on the daily balance in your high-yield savings account. For example, Barclays online savings’ rates are 12 times the national average, and CIT Bank has rates that are more than 17 times the national savings APY.

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11. Daily Compounding

Earn interest on all the interest you earn as the days go by with daily compounding. Some of the best online savings accounts, like those at Ally Bank, offer daily compounding and a 1.60% APY on all balances.

12. No Minimum Opening Deposit

Some banks that offer the highest interest rates in the country and fee-free savings accounts require you to open the account with at least $25 or more. The best savings account providers, however, don’t. Discover Bank, Barclays and other financial institutions have savings accounts with no minimum deposit requirements.

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13. Low Excessive-Withdrawal Fees

If you plan on making a telephone transfer or setting automatic withdrawals, make sure you’re aware of the number of withdrawals you can make. Federal law limits account holders to six withdrawals from savings per calendar month, so banks can charge a fee for additional withdrawals. Discover Bank, for instance, charges a $15 excessive-withdrawal fee per item over the limit.

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14. Set Your Account Up as a Trust

If you’re happy with your savings account rates, you can turn your account into a trust fund for someone if you want to grow your savings with little risk. Banks like Ally have a formal process for setting up your savings account in the name of a trust and allow you to apply online.

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15. Unlimited Deposits

Why pay fees to make contributions to a savings account? The best high-interest savings account will allow unlimited deposits so you can reach your savings goals as quickly as your budget allows.

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